Konversi Bank Nagari Ke Bank Umum Syariah (Bus): Kekuatan (Strengths) Dan Kelemahan (Weakneses)

Abstract

The purpose of this research is to identify the strengths and weaknesses of Bank Nagari for the conversion from Conventional Commercial Banks (BUK) to Islamic Commercial Banks (BUS). The type of research that the authors use is field research or field research. The analytical method used in this research is descriptive qualitative. The study was conducted at Bank Nagari, West Sumatra province. The results of this analysis show that the strengths possessed by Bank Nagari to convert from BUK to BUS are: First: Bank Nagari has had a sharia business unit since 2008. Second: Bank Nagari currently has approximately 1,700 employees who are equipped with knowledge about sharia products and services. Third: Bank Nagari's sharia products and services that compete with other banks. Fourth: sharia services can now be served by all branch offices of Bank Nagari (conventional and sharia) in the province of West Sumatra. Fifth: Bank Nagari has started to complete the requirements needed to convert from conventional to sharia. Sixth: Bank Nagari has assessed converting conventional products to sharia products. Seventh: Bank Nagari's technology transformation system allows conversion to sharia. In contrast, the Weaknesses First: limitations in terms of products. Because some conventional products cannot be converted to the sharia system. Second: the composition of third-party funds is dominated by corporate funds, where the corporate funds prioritize fixed rates. Third: there needs to be precise regulation from the government. Fourth: the shareholders are not ready to take the risk of a dividend decrease that will occur at the beginning of the conversion.